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\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0                                                                         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800
\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 Personal Line of Credit - WI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow0\irowband0\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 Bankers Systems\'99}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\cell \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 05/2011}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow1\irowband1\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow
}\trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 
Wolters Kluwer Financial Service \'a9\loch\f1  2002, 2010}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell \cell }\pard \ltrpar\qc \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 201110034.1.0.2102-N20110815Y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \~\~\~\~\hich\af1\dbch\af31505\loch\f1 Page \chpgn 
\hich\af1\dbch\af31505\loch\f1  of }{\field{\*\fldinst {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 NUMPAGES}}{\fldrslt {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\lang1024\langfe1024\noproof\insrsid10961388 \hich\af1\dbch\af31505\loch\f1 6}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb
\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row }}{\footerr \ltrpar 
\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\cf1\insrsid11757447 \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0                                                                                                     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800
\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 Personal Line of Credit - WI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow0\irowband0\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 Bankers Systems\'99}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\cell \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 05/2011}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow1\irowband1\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow
}\trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 
Wolters Kluwer Financial Service \'a9\loch\f1  2002, 2010}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell \cell }\pard \ltrpar\qc \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 201110034.1.0.2102-N20110815Y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \~\~\~\~\hich\af1\dbch\af31505\loch\f1 Page \chpgn 
\hich\af1\dbch\af31505\loch\f1  of }{\field{\*\fldinst {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 NUMPAGES}}{\fldrslt {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\lang1024\langfe1024\noproof\insrsid10961388 \hich\af1\dbch\af31505\loch\f1 5}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb
\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row }}{\footerf \ltrpar 
\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\cf1\insrsid11757447 \hich\af0\dbch\af31505\loch\f0                                                                          \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0                            }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800
\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 Personal Line of Credit - WI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow0\irowband0\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 Bankers Systems\'99}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 
\cell \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 05/2011}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow1\irowband1\ltrrow
\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6750\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row \ltrrow
}\trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 \hich\f1 
Wolters Kluwer Financial Service \'a9\loch\f1  2002, 2010}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell \cell }\pard \ltrpar\qc \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 201110034.1.0.2102-N20110815Y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar\qr \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \~\~\~\~\hich\af1\dbch\af31505\loch\f1 Page \chpgn 
\hich\af1\dbch\af31505\loch\f1  of }{\field{\*\fldinst {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 \f1\fs12\cf1\insrsid11757447 \hich\af1\dbch\af31505\loch\f1 NUMPAGES}}{\fldrslt {\rtlch\fcs1 \af1\afs12 \ltrch\fcs0 
\f1\fs12\cf1\lang1024\langfe1024\noproof\insrsid10961388 \hich\af1\dbch\af31505\loch\f1 6}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \cell }\pard \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11757447 \trowd \irow2\irowband2\lastrow \ltrrow\ts11\tsrowd\trftsWidth1\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx3150\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx3600\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3150\clshdrawnil \cellx6750\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb
\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth450\clshdrawnil \cellx7200\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth3600\clshdrawnil \cellx10800\row }}{\*\pnseclvl1
\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5
\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang 
{\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\qc \li0\ri0\sb120\sl380\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af1\afs36 \ltrch\fcs0 \b\f1\fs36\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14506027 \hich\af1\dbch\af31505\loch\f1 Premier }{\rtlch\fcs1 
\ab\af1\afs36 \ltrch\fcs0 \b\f1\fs36\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af1\dbch\af31505\loch\f1 Line of Credit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\ul\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0                                                                                                     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par \ltrrow}\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4603150\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1295\clshdrawnil \cellx1187\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1225\clshdrawnil \cellx2412\clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2660\clshdrawnil \cellx5072\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Lender}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0\afs26 \ltrch\fcs0 \b\f0\fs26\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\f0\fs12\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb40\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\f0\fs12\cf6\insrsid8653689\charrsid13532285 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\cf6\insrsid8653689\charrsid13532285 \cell }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0
\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Borrower}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\f0\fs12\cf6\insrsid8653689\charrsid13532285 
\par }\pard \ltrpar\ql \li0\ri0\sb40\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf6\insrsid8653689\charrsid13532285 
\par }\pard \ltrpar\ql \li0\ri0\sb40\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0\pararsid4603150 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid538225 \hich\af0\dbch\af31505\loch\f0 __________
\par \hich\af0\dbch\af31505\loch\f0 __________
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________
\par }\pard \ltrpar\ql \li0\ri0\sb40\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0
\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Summary}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Loan Number:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \~}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 __________}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Agreement Date}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf6\insrsid8653689\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf6\insrsid4603150\charrsid13532285 \hich\af0\dbch\af31505\loch\f0  ________}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Credit Limit:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \~}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf6\insrsid4603150\charrsid13532285 
\hich\af0\dbch\af31505\loch\f0 ___________}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\par }{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid142059\charrsid142059 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\f0\fs12\insrsid8653689 \trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid4603150\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1295\clshdrawnil \cellx1187\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1225\clshdrawnil \cellx2412\clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2660\clshdrawnil \cellx5072\row }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 
\ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e115}\hich\af1\dbch\af31505\loch\f1 Truth-in-Lending Disclosure}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 {\*\bkmkend d15e115}
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth5180\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 INTEREST RATE AND INTEREST CHARGES}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \trowd \irow0\irowband0\ltrrow\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 
\clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth5180\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\row \ltrrow
}\trowd \irow1\irowband1\ltrrow\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1381\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr
\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0
\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Annual Percentage Rate (APR) for All Transactions}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\cell }{\rtlch\fcs1 \ab\af0\afs32 \ltrch\fcs0 \b\f0\fs32\ul\ulc1\insrsid2433324\charrsid2433324 \hich\af0\dbch\af31505\loch\f0 _}{\rtlch\fcs1 \ab\af0\afs32 \ltrch\fcs0 \b\f0\fs32\ul\ulc1\insrsid2433324 \hich\af0\dbch\af31505\loch\f0 ___}{\rtlch\fcs1 
\ab\af0\afs32 \ltrch\fcs0 \b\f0\fs32\ul\insrsid2433324\charrsid2433324 \hich\af0\dbch\af31505\loch\f0 %}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689\charrsid2433324 
\par }\pard \ltrpar\ql \fi-320\li320\ri0\sl240\slmult0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin320\pararsid16265548 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 This APR will vary with the market based on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid14506027 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid16265548 \hich\af0\dbch\af31505\loch\f0 
a Prime Rate.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid8653689 \trowd \irow1\irowband1\ltrrow\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1381\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr
\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\row \ltrrow}\trowd \irow2\irowband2\lastrow \ltrrow
\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1381\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Paying Interest}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
You will be charged interest from the transaction date.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \trowd \irow2\irowband2\lastrow \ltrrow\ts11\trleft0\trftsWidth1\tblind20\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1381\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrs\brdrw5\brdrcf1 \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5180\row }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\f0\fs12\insrsid8653689 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trleft2\trbrdrt\brdrs\brdrw5\brdrcf1 \trbrdrl\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl
\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth5180\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0
\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 FEES}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \trowd \irow0\irowband0\ltrrow\ts11\trleft2\trbrdrt\brdrs\brdrw5\brdrcf1 \trbrdrl
\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth5180\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts11\trleft2\trbrdrl\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 
\trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1383\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrs\brdrw5\brdrcf1 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Annual Fee}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 None}{
\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 
\trowd \irow1\irowband1\ltrrow\ts11\trleft2\trbrdrl\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrs\brdrw5\brdrcf1 \clbrdrb\brdrnone 
\clbrdrr\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1383\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr
\brdrs\brdrw5\brdrcf1 \clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\row \ltrrow}\trowd \irow2\irowband2\ltrrow
\ts11\trleft2\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14506027\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1381\clshdrawnil \cellx1383\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3799\clshdrawnil \cellx5182\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0
\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Penalty Fees}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar
\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {
\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\insrsid8653689 \trowd \irow2\irowband2\ltrrow\ts11\trleft2\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14506027\tblind22\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1381\clshdrawnil \cellx1383\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3799\clshdrawnil 
\cellx5182\row \ltrrow}\trowd \irow3\irowband3\ltrrow\ts11\trleft2\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14506027\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl 
\clbrdrb\brdrs\brdrw10 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1381\clshdrawnil \cellx1383\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3799\clshdrawnil \cellx5182{\pntext
\pard\plain\ltrpar \intbl\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls1\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls1\rin0\lin320 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Late Payment}{
\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \cell }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\brdrb\brdrs\brdrw30\brsp20 \wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf6\insrsid8586060 

\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\cf6\insrsid8653689\charrsid2433324 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \trowd \irow3\irowband3\ltrrow
\ts11\trleft2\trftsWidth1\trftsWidthB3\trftsWidthA3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid14506027\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth1381\clshdrawnil \cellx1383\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3799\clshdrawnil \cellx5182\row \ltrrow}\trowd \irow4\irowband4\lastrow \ltrrow
\ts11\trleft2\trbrdrl\brdrs\brdrw5\brdrcf1 \trbrdrb\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr
\brdrnone \clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1383\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\pard \ltrpar\ql \li0\ri0\keepn\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid8653689 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 \trowd \irow4\irowband4\lastrow \ltrrow
\ts11\trleft2\trbrdrl\brdrs\brdrw5\brdrcf1 \trbrdrb\brdrs\brdrw5\brdrcf1 \trbrdrr\brdrs\brdrw5\brdrcf1 \trftsWidth1\trftsWidthB3\trftsWidthA3\tblind22\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr
\brdrnone \clcbpat8\cltxlrtb\clftsWidth3\clwWidth1381\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx1383\clvertalt\clbrdrt\brdrs\brdrw5\brdrcf1 \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\clcbpat8\cltxlrtb\clftsWidth3\clwWidth3799\clpadl20\clpadt20\clpadb20\clpadr20\clpadfl3\clpadft3\clpadfb3\clpadfr3\clcbpatraw8 \cellx5182\row }\pard \ltrpar\qc \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8586060 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 How We Calculate Your Balance}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 We use a method called "}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid93205 \hich\af0\dbch\af31505\loch\f0 average }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 daily balance." See }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10375923 \hich\af0\dbch\af31505\loch\f0 Interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid93205 \hich\af0\dbch\af31505\loch\f0  section below}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  for more details.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\qc \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Billing Rights}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Information on your rights to dispute transactions and how to exercise those rights is provided in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid93205 \hich\af0\dbch\af31505\loch\f0 this }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 account agreement.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\ul\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                     \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                                                               
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
                                                                                                                                                                                                                               }{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e213}
\hich\af1\dbch\af31505\loch\f1 General Provisions}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e216}{\*\bkmkend d15e213}\hich\af1\dbch\af31505\loch\f1 Definitions. }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 In this Agreement, these terms have the following meanings. The pronouns }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 
\hich\f0 you\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  and }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 your\'94}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  refer to all Borrowers signing this Agreement, jointly and individually, and each other person or legal entity that agrees to pay this Agre\hich\af0\dbch\af31505\loch\f0 ement. }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 We\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 us\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  and }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 
\loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 our\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  refer to the Lender, or any person or legal entity that acquires an interest in th
\hich\af0\dbch\af31505\loch\f0 e Line of Credit. Agreement refers to this Personal Line of Credit agreement, and any extensions, renewals, modifications or substitutions of it. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 
\loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Billing Cycle\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  means the interval between the days or dates of regular periodic statements. }{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Credit Limit\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  me\hich\af0\dbch\af31505\loch\f0 
ans the maximum amount of principal we will permit you to owe us under this Line of Credit, at any one time. Your Credit Limit is stated at the top of this Agreement. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 
\loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Line of Credit\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  refers to this transaction generally, including obligations and duties a
\hich\af0\dbch\af31505\loch\f0 rising from the terms of all documents prepared or submitted for this transaction such as applications, security agreements, disclosures and this Agreement. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 
\loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Loan Account Balance\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  means the sum of the unpaid principal balance advanced under the terms of th
\hich\af0\dbch\af31505\loch\f0 is Agreement, interest or other finance charges, fees and other charges that are due, and other amounts advanced to you or others under the terms of this Line of Credit. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Minimum Payment\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  means the minimum payment amount required under the Minimum Payment 
\hich\af0\dbch\af31505\loch\f0 section. }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Payment Date\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
 is the payment due date as provided on your periodic statements. }{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 {\*\bkmkend d15e216}\hich\af0\dbch\af31505\loch\f0 Other important terms are defined throughout this Agreement.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e285}\hich\af1\dbch\af31505\loch\f1 Promise to Pay. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
You promise to pay us or our order, at our address, or at such other locati\hich\af0\dbch\af31505\loch\f0 
on as we may designate, so much of the Credit Limit as may be advanced under this Agreement, plus interest or other finance charges, fees, charges, costs and expenses as described in this Line of Credit.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e290}{\*\bkmkend d15e285}\hich\af1\dbch\af31505\loch\f1 Agreement Term. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 You may request advanc
\hich\af0\dbch\af31505\loch\f0 es from the Agreement Date until this Agreement is terminated.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e295}{\*\bkmkend d15e290}
\hich\af1\dbch\af31505\loch\f1 Advances}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e298}{\*\bkmkend d15e295}\hich\af1\dbch\af31505\loch\f1 Advance Methods. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 You may request advances by the following methods:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\*\bkmkend d15e298}{\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn 
\pnlvlblt\ilvl0\ls2\pnrnot0\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls2\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 You write a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid10375923 \hich\af0\dbch\af31505\loch\f0 cash advance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 check}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689\charrsid5585236 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f3\fs22\cf1\insrsid5585236 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls2\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls2\rin0\lin320\itap0\pararsid15800804 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid5585236 \hich\af0\dbch\af31505\loch\f0 Make a withdrawal}{\rtlch\fcs1 \ai\af0\afs2 \ltrch\fcs0 
\i\f0\fs2\cf1\insrsid8653689\charrsid15800804 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689\charrsid10375923 \hich\af0\dbch\af31505\loch\f0 We will make }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f0\cf1\insrsid10375923\charrsid10375923 \hich\af0\dbch\af31505\loch\f0 th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid10375923 \hich\af0\dbch\af31505\loch\f0 e advance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
by advancing the amount directly to you, depositing it in your }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5585236 \hich\af31506\dbch\af31505\loch\f31506 deposit account with us}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 , or by paying a designated third person or account. We will record the amount as an advance and increase your Loan Account Balance.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e321}\hich\af1\dbch\af31505\loch\f1 Advan\hich\af1\dbch\af31505\loch\f1 ce Limitations. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Your ability to request and access advances is subject to the following limitations:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid15800804 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid14433885 {\*\bkmkend d15e321}\hich\af31506\dbch\af31505\loch\f31506 Refusal to honor}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\cf1\insrsid14433885\charrsid8223111 \hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 Cash Advance }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\cf1\insrsid14433885\charrsid8223111 \hich\af31506\dbch\af31505\loch\f31506 Checks.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid14433885 \hich\af31506\dbch\af31505\loch\f31506   We shall not be responsible for any refusal by anyone to honor your }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 cash advance c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid14433885 \hich\af31506\dbch\af31505\loch\f31506 hecks.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid14433885\charrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 Lost or stolen }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid10375923\charrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 cash 
\hich\af31506\dbch\af31505\loch\f31506 advance checks}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid14433885\charrsid10375923 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid14433885 \hich\af31506\dbch\af31505\loch\f31506   }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 You shall immediately report the loss or theft of any }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 cash advance checks}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0  to Associated Bank, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid2303571\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 Attn: Cashiering Department,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid2303571 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 1305 Main Street, Stevens Point, Wisconsin 54481 (800)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid10172572 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid15735628\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 236-8866}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid14433885\charrsid9191359 .}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0   }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 PLEASE NOTE:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0  Do not use your }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid10375923 \hich\af31506\dbch\af31505\loch\f31506 cash advance checks}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid14433885\charrsid15800804 \hich\af0\dbch\af31505\loch\f0  after you have notified us of loss, theft, or unauthorized use even if they are returned to you.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid14433885 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\insrsid10375923\charrsid10375923 \hich\af0\dbch\af31505\loch\f0 Credit Reviews. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid10375923\charrsid10375923 \hich\af0\dbch\af31505\loch\f0 
We will periodically review your credit bureau and other services to make sure that you have not had a material change in y\hich\af0\dbch\af31505\loch\f0 
our financial circumstances and are able to meet the repayment requirements under this Line of Credit.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid10375923 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid10375923 \hich\af1\dbch\af31505\loch\f1 Advance Amount. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid10375923 \hich\af0\dbch\af31505\loch\f0 
When you request an advance, we will, subject to the limitations contained in this Agreement, advance exactly the amount you request.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid10375923\charrsid10375923 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Whe\hich\af0\dbch\af31505\loch\f0 n we add the amount of the advance(s) to your Loan Account Balance we will immediately begin to apply the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid13779093 \hich\af0\dbch\af31505\loch\f0 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid12155930 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
charge in effect from time to time to the entire unpaid balance, including the advance(s).}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li288\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e335}\hich\af1\dbch\af31505\loch\f1 Credit Limit. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Subject to the terms and conditions of this Agreement, you may borrow on this Line of Credit up to the Credit Limit. You agree not to request or obtain an advance that will cause the unpaid principal of your Loan Account Balance to exceed the Credit Limit
.\hich\af0\dbch\af31505\loch\f0 
 You understand that we will not ordinarily grant a request for an advance that would cause the unpaid principal of your Loan Account Balance to be greater than the Credit Limit, but that we may, at our option, grant such a request without obligating ours
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 
lves to do so in the future. Your Credit Limit will not be increased if you overdraw the Line of Credit. If you exceed the Credit Limit, you agree to immediately pay the amount by which the unpaid principal of your Loan Account Balance exceeds the Credit 
\hich\af0\dbch\af31505\loch\f0 L\hich\af0\dbch\af31505\loch\f0 imit, even if we have not yet billed you.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid6762709 {\*\bkmkstart d15e340}{\*\bkmkend d15e335}
\hich\af1\dbch\af31505\loch\f1 Interest}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9251852 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e343}{\*\bkmkend d15e340}\hich\af1\dbch\af31505\loch\f1 
Computation of }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid13779093 \hich\af1\dbch\af31505\loch\f1 Interest}{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid12155930 \hich\af1\dbch\af31505\loch\f1  }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 
\b\f1\cf1\insrsid8653689 \hich\af1\dbch\af31505\loch\f1 Charges. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid12155930\charrsid9251852 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid13779093 \hich\af0\dbch\af31505\loch\f0 
Interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 charges begin to accrue immediately when we make an advance to you. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid13779093 
\hich\af0\dbch\af31505\loch\f0 Interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid12155930\charrsid9251852 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 
charges will be computed as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8653689\charrsid9251852 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sa200\sl240\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9251852 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12155930\charrsid9251852 {\*\bkmkstart d15e353}{\*\bkmkend d15e343}
\hich\af0\dbch\af31505\loch\f0 To figure the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid6906291 \hich\af0\dbch\af31505\loch\f0 interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12155930\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 
charge for each Billing Cycle, a daily periodic rate is multiplied by the Average Daily Balance of your L\hich\af0\dbch\af31505\loch\f0 oan Account Balance. We then multiply that amount by the number of days in the Billing Cycle. To figure the }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\insrsid12155930\charrsid9251852 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 Average Daily Balance\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12155930\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 
, we first take your\hich\af0\dbch\af31505\loch\f0  Loan Account Balance at the beginning of each day, add any new advances, and subtract any payments or credits that apply to debt repayment, and subtract any unpaid}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid6762709 \hich\af0\dbch\af31505\loch\f0  interest or other}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12155930\charrsid9251852 \hich\af0\dbch\af31505\loch\f0  finance charges, fees and charges. This gives us the daily balance. Then,
\hich\af0\dbch\af31505\loch\f0  we add up all the daily balances for the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12155930\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 
 Billing Cycle and divide the total by the number of days in the Billing Cycle. This gives us the Average Daily Balance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12155930\charrsid2643746 \hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid12155930 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 The periodic rate used in calculating the interest charge is }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf6\insrsid9251852\charrsid538225 \hich\af0\dbch\af31505\loch\f0 _______}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9251852\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 %}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0  and the corresponding A\hich\af0\dbch\af31505\loch\f0 nnual Percentage Rate is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf20\insrsid10375923 \hich\af0\dbch\af31505\loch\f0 _____}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid10375923\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 %.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  The annual percentage rate includes interest and not other costs.
\par }{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid2303571 
\par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14891872 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689\charrsid9191359 {\*\bkmkstart d15e369}{\*\bkmkend d15e353}
\hich\af1\dbch\af31505\loch\f1 Variable Rate.}{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid2303571\charrsid9191359 \hich\af1\dbch\af31505\loch\f1  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2303571\charrsid9191359 \hich\af31506\dbch\af31505\loch\f31506 
The annual percentage rate may change and will be based on the value of an index. The index is the base rate on corporate loans\hich\af31506\dbch\af31505\loch\f31506 
 posted by at least 75% of the 30 largest U.S. banks known as the Wall Street Journal U.S. Prime Rate }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid2303571\charrsid9191359 \hich\af31506\dbch\af31505\loch\f31506 \hich\f31506 (\'93\loch\f31506 \hich\f31506 Index
\'94\loch\f31506 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2303571\charrsid9191359 \hich\af31506\dbch\af31505\loch\f31506 . To determine the annual percentage rate we add a __________ percentage point margin to the value of the Index. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8653689\charrsid9191359 
\par }\pard \ltrpar\ql \li288\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0\pararsid15800804 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e373}{\*\bkmkend d15e369}\hich\af1\dbch\af31505\loch\f1 
Rate Changes. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
The annual percentage rate may increase if the Index rate increases. An Index rate increase will result in a higher interest charge and it may have the effect of increasing your periodic Minimum Payment. A decrease in the Index rate will have the opposite
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 effect as an increase. The annual percentage rate can increase or decrease monthly. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid13832229\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 
The index rate will be determined as of the last day (or nearest preceding day reported) of any billing cycle based on the Prime Rate reported in the Wall Street Journal on\hich\af0\dbch\af31505\loch\f0  the second Tuesday of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\insrsid6760993\charrsid15800804 \hich\af0\dbch\af31505\loch\f0  the month preceding the month}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid13832229\charrsid15800804 \hich\af0\dbch\af31505\loch\f0  in which the billing cycle begins. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11757447\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 Following a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8653689\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 n Index rate increase }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\insrsid6760993\charrsid15800804 \hich\af0\dbch\af31505\loch\f0 or decrea}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6760993 \hich\af0\dbch\af31505\loch\f0 se}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid11757447 
\hich\af0\dbch\af31505\loch\f0 , the change to your Annual Percentage Rate }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 will take effect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid3571603 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid2303571\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 on the first day of each billing cycle.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid2303571 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6760993 \hich\af0\dbch\af31505\loch\f0 W}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 e will ignore any chan\hich\af0\dbch\af31505\loch\f0 
ges in the Index rate that occur between annual percentage rate adjustments.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid3571603\charrsid12737173 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e392}{\*\bkmkend d15e373}\hich\af1\dbch\af31505\loch\f1 Rate Change Limitations. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Annual percentage rate changes are subject to the following limitations.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li576\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin576\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e408}{\*\bkmkend d15e392}\hich\af1\dbch\af31505\loch\f1 Lifetime Cap. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 The maximum Annual Percentage Rate that\hich\af0\dbch\af31505\loch\f0 
 can apply during the term of this Line of Credit is 18% or the maximum annual percentage rate allowed by applicable law, whichever is less.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e419}{\*\bkmkend d15e408}
\hich\af1\dbch\af31505\loch\f1 Fees and Charges}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 {\*\bkmkend d15e419}\hich\af0\dbch\af31505\loch\f0 You agree to pay the following additio
\hich\af0\dbch\af31505\loch\f0 nal fees and charges:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls3\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls3\rin0\lin320\itap0\pararsid7299295 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4222925\charrsid4222925 
\hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4222925 \hich\af31506\dbch\af31505\loch\f31506 Late and Returned Item Fees.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3571603 \hich\af31506\dbch\af31505\loch\f31506  }{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 
If you fail to pay us at least the Minimum Payment within 10 days after the Payment Due Date as shown on your monthly statement, your Account will be subject to a Late Payment Fee in the}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid3571603 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 amount of $18.00.}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid3571603 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid9251852 
\hich\af0\dbch\af31505\loch\f0 We may collect a charge of $}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 15.00}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid9251852 \hich\af0\dbch\af31505\loch\f0  for any check presented for payment to us which is returned unpaid or if an}{\rtlch\fcs1 \af1\afs20 \ltrch\fcs0 
\f1\fs20\cf1\lang1024\langfe1024\noproof\insrsid4222925 \hich\af1\dbch\af31505\loch\f1  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\lang1024\langfe1024\noproof\insrsid4222925\charrsid9251852 \hich\af0\dbch\af31505\loch\f0 
Automatic Payment/Automated Clearing House (ACH) debit is returned unpaid.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid7299295\charrsid9251852 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid7299295 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls3\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls3\rin0\lin320\itap0\pararsid7299295 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid7299295 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid7299295\charrsid7299295 \hich\af31506\dbch\af31505\loch\f31506 Debt /Loan Protection Charges, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7299295\charrsid15860534 \hich\af31506\dbch\af31505\loch\f31506 
At your option and if eligible, you may participate in the Debt}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14555815 \hich\af31506\dbch\af31505\loch\f31506 /Loan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7299295\charrsid15860534 
\hich\af31506\dbch\af31505\loch\f31506  Protection program arranged by us.  If you participate, a charge at a rate disclosed to you in a separate agreement will be posted to your account each month that you have a balance.}{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid7299295\charrsid7299295 
\par }\pard \ltrpar\ql \li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin320\itap0\pararsid7299295 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid7299295 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e442}
\hich\af1\dbch\af31505\loch\f1 Payment Terms}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e445}{\*\bkmkend d15e442}\hich\af1\dbch\af31505\loch\f1 Payment Date. }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 During the term of this Agreement, a Minimum Payment will be due on or before the Payment Date for any Billing Cycle in which there is an outstanding }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14891872\charrsid9191359 \hich\af31506\dbch\af31505\loch\f31506 Loan Account Balance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8653689\charrsid9191359 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid3571603 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e454}{\*\bkmkend d15e445}\hich\af1\dbch\af31505\loch\f1 Minimum Payment. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 On or 
\hich\af0\dbch\af31505\loch\f0 before each Payment Date, you agree to make a payment of at least the Minimum Payment amount.
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid13532285 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6321265\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 
The Minimum Payment will equal the following:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid6321265\charrsid13532285 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sa200\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid13532285 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6321265\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 The amount of }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid6762709 \hich\af0\dbch\af31505\loch\f0 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6321265\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 
 on the last day of the Billing Cycle plus late charges, over credit limit amounts, other fees\hich\af0\dbch\af31505\loch\f0  and charges }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid7299295\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 
(including Debt/Loan Protection if applicable) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6321265\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 or $50.00, whichever is greater. If the Loan Account Balance is less than }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid6321265\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 $50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid16650633\charrsid9191359 .00,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid6321265\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 
 the entire Loan Account Balance will be due.
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid13532285 {\rtlch\fcs1 \af1 \ltrch\fcs0 \b\f1\insrsid6321265\charrsid7028776 \hich\af1\dbch\af31505\loch\f1 
Your Minimum Payment May be Significantly Increased:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6321265\charrsid10569601 \hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid6321265\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 
Upon }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid12737173\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 termination }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11757447\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 by you or us}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\insrsid6321265\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 , your Minimum Payment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid14891872\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 will}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid6321265\charrsid9191359 \hich\af0\dbch\af31505\loch\f0  be increased to 3% of the Loan Account Balance on the last day of the billing cycle}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid14555815\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 
 plus other charges}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid6321265\charrsid9191359 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid14891872\charrsid9191359 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid6321265\charrsid9191359 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e478}{\*\bkmkend d15e454}\hich\af1\dbch\af31505\loch\f1 Additional Payment Terms. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 I\hich\af0\dbch\af31505\loch\f0 
f your Loan Account Balance on a Payment Date is less than the Minimum Payment amount, you must pay only the amount necessary to reduce your Loan Account Balance to zero or to any required Minimum Balance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid6321265 \hich\af0\dbch\af31505\loch\f0 Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 ou can pay off all or part of what you owe at any\hich\af0\dbch\af31505\loch\f0 
 time. If you pay more than the Minimum Payment amount, you must continue to make your periodic Minimum Payments as otherwise required by this Agreement.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 {\*\bkmkend d15e478}\hich\af0\dbch\af31505\loch\f0 Unless otherwise agreed or required by applicable law, payments and other credits will be appli\hich\af0\dbch\af31505\loch\f0 
ed first to any charges you owe other than principal and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid15153987 \hich\af0\dbch\af31505\loch\f0 interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
charges, then to any }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid15153987 \hich\af0\dbch\af31505\loch\f0 interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 charges that are due,\hich\af0\dbch\af31505\loch\f0 
 and finally to principal. No late charge will be assessed on any payment when the only delinquency is due to late fees assessed on earlier payments and the payment is otherwise a full payment.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 

\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e488}
\hich\af1\dbch\af31505\loch\f1 Additional Terms}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e491}{\*\bkmkend d15e488}\hich\af1\dbch\af31505\loch\f1 Commissions. }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 You underst\hich\af0\dbch\af31505\loch\f0 
and and agree that we (or our affiliate) will earn commissions or fees on any insurance products, and may earn such fees on other services that you buy through us or our affiliate.
\par }{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid5143407 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e502}{\*\bkmkend d15e491}\hich\af1\dbch\af31505\loch\f1 Default. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
To the extent permitted by law, you will be in defa\hich\af0\dbch\af31505\loch\f0 ult if any of the following occur:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\*\bkmkend d15e502}{\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn 
\pnlvlblt\ilvl0\ls4\pnrnot0\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls4\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 You fail to make a full payment when due on two or more occasions within any 12-month period.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689\charrsid3571603 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8586060 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls4\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls4\rin0\lin320\itap0\pararsid8586060 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8586060 \hich\af0\dbch\af31505\loch\f0  Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8586060 
\hich\af0\dbch\af31505\loch\f0 You fail to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689\charrsid8586060 \hich\af0\dbch\af31505\loch\f0 observe any other covenant, the breach of which materially impairs your prospect to pay amounts due.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5143407 
\par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13532285 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid5143407\charrsid5143407 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e523}\hich\af1\dbch\af31505\loch\f1 Notice of Default and Right to Cure. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 If we believe you are in default and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid2433506 \hich\af0\dbch\af31505\loch\f0 if }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
you have a right to cure the default under the Wisconsin Consumer Act, we will give you a written notice of the default and right to cure. You may cure your default, except if twice during the preceding 12 months, you defaulted under this same Agreement, 
\hich\af0\dbch\af31505\loch\f0 w\hich\af0\dbch\af31505\loch\f0 e properly notified you of the defaults and right to cure, and you cured these prior defaults. You may cure the default within 15 days after we mail or personally deliver this notice to you. }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2433506 \hich\af31506\dbch\af31505\loch\f31506 If you have a right to cure under the Wisconsin Consumer Act, the\hich\af31506\dbch\af31505\loch\f31506 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid2433506 
\hich\af0\dbch\af31505\loch\f0  u}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
ntil this 15-day period ends, we may not exercise our remedies, except for those which the Wisconsin Consumer Act permits during this time.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e543}{\*\bkmkend d15e523}\hich\af1\dbch\af31505\loch\f1 Remedies. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
After you default, and after we give any notice and opportunity to cure when required und\hich\af0\dbch\af31505\loch\f0 er the Wisconsin Consumer Act, we may at our option, to the extent permitted by law, do any of the following:}{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\*\bkmkend d15e543}{\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn 
\pnlvlblt\ilvl0\ls5\pnrnot0\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls5\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 We may terminate this Line of Credit and make all or any part of the amount owing by the terms of this Agreement due.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls5\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls5\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 We may temp
\hich\af0\dbch\af31505\loch\f0 orarily or permanently prohibit any additional advances.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls5\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls5\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
We may make amounts advanced on your behalf due, and we may add these amounts to the Loan Account Balance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid2433506 \hich\af0\dbch\af31505\loch\f0 W}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 e will give you written notice of your nonperformance and then you will have a reasona\hich\af0\dbch\af31505\loch\f0 ble opportunity to perform before we add these amounts to the Loan Account Balance.}{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls5\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls5\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
We may use any and all remedies we have under applicable law or any agreement securing this Agreement.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Except as otherwise required by law, by choosing a remedy we do 
\hich\af0\dbch\af31505\loch\f0 
not give up our right to use another remedy. We do not waive a default if we choose not to use a remedy. By electing not to use any remedy, we do not waive our right to later consider the event a default and to use any remedies if the default continues or
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 occurs again.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e605}\hich\af1\dbch\af31505\loch\f1 Default Charges and Attorneys' Fees. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
If you default, you agree to pay }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12073802 \hich\af31506\dbch\af31505\loch\f31506 reasonable attorneys\hich\f31506 \rquote \loch\f31506  fees and charges or if required by the Wisconsin Consumer Act, }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 our statutory fees and charges and statutory attorneys' fees when and to the ext\hich\af0\dbch\af31505\loch\f0 
ent authorized by the Wisconsin Consumer Act. Fees and charges include, but are not limited to, the disposition of any Property under }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Wis. Stat. Ann.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 \hich\f0  \'a7\loch\f0  422.413, as amended. To the extent permitted by the United States Bankruptcy Code, this section applies \hich\af0\dbch\af31505\loch\f0 
when anyone obligated under this Agreement is subject to a voluntary or involuntary bankruptcy proceeding under a court exercising jurisdiction under the United States Bankruptcy Code.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e615}{\*\bkmkend d15e605}\hich\af1\dbch\af31505\loch\f1 Set-Off. }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
We may set off any amount due and payable under \hich\af0\dbch\af31505\loch\f0 the terms of this Agreement against your right to receive money from us, unless prohibited by applicable law.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e621}{\*\bkmkend d15e615}\hich\af1\dbch\af31505\loch\f1 Amendments. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
To the extent permitted by law, we may change any term of this Agreement upon appropriate advance notice as required by \hich\af0\dbch\af31505\loch\f0 applicable law.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e630}{\*\bkmkend d15e621}\hich\af1\dbch\af31505\loch\f1 Termination}{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid7028776 \hich\af1\dbch\af31505\loch\f1 
 and Suspension of Credit}{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 \hich\af1\dbch\af31505\loch\f1 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Either you }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid4462969\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 or your spouse}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid4462969 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
or we may, unless prohibited by law, terminate this Line of Credit }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid7028776 \hich\af0\dbch\af31505\loch\f0 or suspend further credit advances }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 at any time by giving written notice to the other. Termination }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid3943339 \hich\af0\dbch\af31505\loch\f0 or suspension of credit }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 by one Borrower terminates the Line of Credit for all Borrowers. Termination will not affect your obligation to repay advances}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid12737173 .}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid3571603 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 {\*\bkmkend d15e630}\hich\af0\dbch\af31505\loch\f0 Upon termination}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid3943339 
\hich\af0\dbch\af31505\loch\f0  or suspension of \hich\af0\dbch\af31505\loch\f0 credit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
, you will return to us any remaining access devices in your possession that were issued or used in connection with the Line of Credit.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid10245669\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 In order to reinstate your credit privileges under the original terms of this Agreement, you must send us a writte\hich\af0\dbch\af31505\loch\f0 
n request to that effect. Your credit privileges will only be reinstated if we determine that the condition which caused us to prohibit additional extensions and/or reduce the Credit Limit no longer exists. If credit report fees are incurred in making thi
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0 
 determination, we may (if allowed by applicable law) charge you such fees. If credit privileges were suspended at your request, they need not be reinstated unless all Borrowers request reinstatement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid10245669 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid4462969\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 If your spouse terminates this Line of Credit, we may d\hich\af0\dbch\af31505\loch\f0 
eclare the entire Loan Account Balance due and payable upon receipt of the notice of termination, notwithstanding }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f0\insrsid4462969\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 Wis. Stat. Ann. }{\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\insrsid4462969\charrsid9191359 \loch\af0\dbch\af31505\hich\f0 \'a7\loch\f0  425.103 and}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f0\insrsid4462969\charrsid9191359 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\f0\insrsid4462969\charrsid9191359 \loch\af0\dbch\af31505\hich\f0 \'a7\loch\f0  425.105, as amended.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid10245669\charrsid9191359 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e641}\hich\af1\dbch\af31505\loch\f1 Waivers and Consent. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
To the extent not prohibited by law and subject to any requi\hich\af0\dbch\af31505\loch\f0 
red notice and opportunity to cure a default for the failure to make a required payment, you waive protest, presentment for payment, demand, notice of acceleration, notice of intent to accelerate and notice of dishonor. }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 In addition, }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid13662512 \hich\af0\dbch\af31505\loch\f0 if applicable, }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 subject to }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Wis. Stat. Ann. }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \loch\af0\dbch\af31505\hich\f0 \'a7
\loch\f0  422.407, as amended, you will not assert your claims or defenses, arising out of the Line of Credit, against any person to whom we assign our rights under the Line of Credit (the assignee) if the assignee: is unrelated to us, a
\hich\af0\dbch\af31505\loch\f0 
cquires the Line of Credit in good faith and for value, gives you a notice of the assignment, and has not received notice from you of your claims or defenses within 12 months after the assignee mailed you the notice of assignment.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  No delay or forbearance o\hich\af0\dbch\af31505\loch\f0 
n our part in exercising any of our rights or remedies will be construed as a waiver by us, unless such waiver is in writing and is signed by us.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid538225 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e652}{\*\bkmkend d15e641}\hich\af1\dbch\af31505\loch\f1 
Periodic Statements. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 If you have an outstanding balance on your account or have any account acti\hich\af0\dbch\af31505\loch\f0 
vity, we will send you a periodic statement at the end of each Billing Cycle. This periodic statement will reflect, among other things, credit advances, interest charges, other fees and charges, payments made, other credits, your previous account balance 
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 nd your new account balance. The periodic statement will also identify your Minimum Payment for the cycle, the Payment Date and any other specific payment requirements.}{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e661}{\*\bkmkend d15e652}\hich\af1\dbch\af31505\loch\f1 Joint and Individual Liability and Successors. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 
Your obligation to pay this Line of Credit is independent of the obligation of any other person who has also agreed to pay it. We may sue you alone, or anyone else who is obligated on this Line of Credit, or any number of you together, to collect on this 
\hich\af0\dbch\af31505\loch\f0 L\hich\af0\dbch\af31505\loch\f0 
ine of Credit. Extending this Line of Credit or new obligations under this Line of Credit will not affect your duty under this Line of Credit and you will still be obligated to pay this Line of Credit. The duties and benefits of this Line of Credit will b
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 nd and benefit the successors and assigns of you and us.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e669}{\*\bkmkend d15e661}\hich\af1\dbch\af31505\loch\f1 Integration and Severability. 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 This Agreement is the complete and final expression of our agreement. If any provision of this Agreement is unenforceable, then the unenforceable provision
\hich\af0\dbch\af31505\loch\f0  will be severed and the remaining provisions will still be enforceable, unless}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid13662512 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13662512 
\hich\af31506\dbch\af31505\loch\f31506 if applicable as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  otherwise provided by the Wisconsin Consumer Act.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 

\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e674}{\*\bkmkend d15e669}\hich\af1\dbch\af31505\loch\f1 Interpretation. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Whenever used, the singular includes the plural and the plural includes the sin\hich\af0\dbch\af31505\loch\f0 gular. The section headings are for convenience only and are not to be used to interpret or define the terms of this Agreement.}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid538225 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e680}{\*\bkmkend d15e674}\hich\af1\dbch\af31505\loch\f1 
Notice, Financial Reports and Additional Documents. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 Any notice will be given by delivering it or mailing it by fir\hich\af0\dbch\af31505\loch\f0 
st class mail to the appropriate party's address above, or to any other address designated in writing. For any notice that is required by the Wisconsin Consumer Act, we will send any notices to only one address if all Borrowers reside at that address and 
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
he notice is addressed to each of these Borrowers, and we will also send separate notices to any other Borrower who resides at a different address. You will inform us in writing of any change in your name, address or other application information. You wil
\hich\af0\dbch\af31505\loch\f0 l\hich\af0\dbch\af31505\loch\f0  provide us any financial statement or information we request. All financial statements and information you give us will be correct and complete. Time is of the essence.}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 {\*\bkmkstart d15e685}{\*\bkmkend d15e680}\hich\af1\dbch\af31505\loch\f1 Credit Information. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
You agree to supply us with whatever information we \hich\af0\dbch\af31505\loch\f0 
reasonably feel we need to decide whether to continue this Line of Credit. We will make requests for this information without undue frequency, and will give you reasonable time in which to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf1\insrsid8653689\charrsid538225 \hich\af0\dbch\af31505\loch\f0 supply the information.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid13532285\charrsid538225 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sa200\sl240\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid538225 {\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689\charrsid538225 {\*\bkmkstart d15e690}{\*\bkmkend d15e685}
\hich\af1\dbch\af31505\loch\f1 Applicable}{\rtlch\fcs1 \ab\af1 \ltrch\fcs0 \b\f1\cf1\insrsid8653689 \hich\af1\dbch\af31505\loch\f1  Law. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10751230\charrsid10751230 \hich\af31506\dbch\af31505\loch\f31506  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid13532285\charrsid13532285 \hich\af0\dbch\af31505\loch\f0 This Agreeme\hich\af0\dbch\af31505\loch\f0 
nt shall be governed by federal law applicable to the Lender and, to the extent not preempted by federal law, the laws of the State of Wisconsin without giving effect to the conflicts of laws principles thereof and to the extent required for loans of $25,
0\hich\af0\dbch\af31505\loch\f0 00 or less, by the Wisconsin Consumer Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid16086146 .}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\insrsid13532285\charrsid13532285 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sa200\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid16086146 \cbpat1 {\rtlch\fcs1 \ab\ai\af1 \ltrch\fcs0 \b\i\f1\cf8\chshdng0\chcfpat0\chcbpat1\insrsid16086146 {\*\bkmkstart d15e706}
{\*\bkmkend d15e690}\hich\af1\dbch\af31505\loch\f1 Notices}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \fs2\insrsid16086146 
\par }\pard \ltrpar\qc \li0\ri0\sb120\sl280\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0\afs26 \ltrch\fcs0 \b\f0\fs26\cf1\insrsid8653689 {\*\bkmkend d15e706}\hich\af0\dbch\af31505\loch\f0 
Your Billing Rights: Keep this Document for Future Use}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\qc \li0\ri0\sb120\sl260\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 What To Do If You Find a Mistake on Your Statement}{
\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
If you think there is an error on your statement, write to us at the address listed on your bill.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 In your\hich\af0\dbch\af31505\loch\f0  letter, give us the following information:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls6\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls6\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Account information: Your name and account number.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls6\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls6\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Dollar amount: The dollar amount of the suspected error.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls6\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls6\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 You must contact us:}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls7\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls7\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Within 60 days after the error appeared on your statement.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls7\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls7\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any po\hich\af0\dbch\af31505\loch\f0 tential errors and you may have to pay the amount in question.}{\rtlch\fcs1 \af0\afs2 
\ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\qc \li0\ri0\sb120\sl260\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid7028776 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
What Will Happen After We Receive Your Letter}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid538225 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 When we receive your letter, we must do two things:}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 1.\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlbody\ilvl0\ls8\pnrnot0
\pndec\pncf1\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta .}}\faauto\ls8\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Within 30 days of receiving your letter, we must tell you that we received your letter. W\hich\af0\dbch\af31505\loch\f0 e will also tell you if we have already corrected the error.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 2.\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlbody\ilvl0\ls8\pnrnot0
\pndec\pncf1\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta .}}\faauto\ls8\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 While we investigate whether or not there has been an error:}{
\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls9\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls9\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
We cannot try to collect the amount in question, or report you as delinquent on that amount.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls9\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls9\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls9\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls9\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls9\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls9\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
We can apply any unpaid amount against your credit limit.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 After we finish our investigation, one of two things will happen:}{
\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls10\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls10\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 If we made a m
\hich\af0\dbch\af31505\loch\f0 istake: You will not have to pay the amount in question or any interest or other fees related to that amount.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par {\pntext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f3\fs22\cf1\insrsid8653689 \loch\af3\dbch\af31505\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-40\li320\ri0\sb40\sl240\slmult0\nowidctlpar\wrapdefault{\*\pn \pnlvlblt\ilvl0\ls10\pnrnot0
\pncf1\pnf3\pnfs22\pnstart1\pnindent360\pnsp120 {\pntxta \'b7}}\faauto\ls10\rin0\lin320\itap0 {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 .0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send \hich\af0\dbch\af31505\loch\f0 
you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days \hich\af0\dbch\af31505\loch\f0 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizat
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 ons know when the matter has been settled between us.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 If we do not follow all of the rules above, you do not have to pay the first }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8653689\charrsid9191359 
\hich\af0\dbch\af31505\loch\f0 $50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9191874\charrsid9191359 .00}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  of the amount you question even if your bill is correct.}{
\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\qc \li0\ri0\sb120\sl280\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0\afs26 \ltrch\fcs0 \b\f0\fs26\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 NOTICE TO COSIGNER}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 
\f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 
You (the cosigner) are being asked to guaranty this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility.}{\rtlch\fcs1 
\af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 You may have to \hich\af0\dbch\af31505\loch\f0 pay up to the full amount of the debt if the borrower does not pay. You also may have to pay late fees}{\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid12334496 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 which increase this amount.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 

\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same \hich\af0\dbch\af31505\loch\f0 
collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become part of }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\f0\cf1\insrsid8653689 
\hich\af0\dbch\af31505\loch\f0 your}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0  credit record.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\cf1\insrsid8653689 \hich\af0\dbch\af31505\loch\f0 This notice is not the contract that makes you liable for\hich\af0\dbch\af31505\loch\f0  the debt.}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat1 {\rtlch\fcs1 \ab\ai\af1\afs24 \ltrch\fcs0 \b\i\f1\fs24\cf8\chshdng0\chcfpat0\chcbpat1\insrsid8653689 {\*\bkmkstart d15e823}
\hich\af1\dbch\af31505\loch\f1 Signatures}{\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \f0\fs2\insrsid8653689 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \cbpat8 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid8653689 {\*\bkmkend d15e823}\hich\af0\dbch\af31505\loch\f0 
By signing under seal, you agree to the terms of this Agreement. You also acknowledge receipt of a copy of this Agreement on today's date.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid9064672 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\cf1\chshdng0\chcfpat0\chcbpat8\insrsid9064672 
\par }\pard \ltrpar\ql \li0\ri0\sb120\sl240\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9064672 \cbpat8 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8653689 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9064672 
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\par 
\par 
\par 
\par 
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